For most companies, Kidnap & Ransom Insurance, (K&R) - often referred to as “Special Coverage” - conjures up images of secret ransom negotiations in remote locations. Many companies believe they won't ever need it. However, a K&R policy covers more issues than what its name implies. Costly real estate-related risks (from extortion to abductions) can occur in your own backyard . This Gallagher Advisor newsletter addresses the primary issues a K&R policy can provide.
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Learn how Best-in-Class employers with less than 10% employee turnover and annual medical cost increases under 5%approach wellness, compensation, medical benefits and more with this benefits survey infographic.
Download the Benefits and HR Consulting Infographic for a clear, concise overview of Arthur J. Gallagher & Co.’s employee benefits and HR consulting capabilities and market strengths.
This Gallagher Risk Management Safety Insight newsletter is part of the newsletter's Great Supervisor series. This edition offers suggestions on how a supervisor can create motivation, help boost employee self-esteem and morale in the work environment - and leverage that to drive success for those employees and the organization.
The Gallagher Public Sector practice has published A Discussion of FEMA Government Entities and Eligible Nonprofits whitepaper which addresses some of the nuances of FEMA and its response to a federally declared disaster. The intent of this whitepaper is to provide a summary framework outlining suggested actions prior to any event - and more.
Rethinking and Rebalancing Compensation and Benefits with Revenue: How to Better Align Business and Employee Objectives
How can your organization optimize its compensation and benefits for long-term sustainability? Read Health & Welfare Consulting's Kent E. Lonsdale's whitepaper on the importance of mapping out the right path to a sustainable, flexible balance between employee and organizational objectives including the possibility of a defined contribution strategy with a private exchange.
Within the Marine industry, 2014 has revealed more challenges for some of the new fixed premium market facilities - in particular, those new entrants competing for market share. With the average owned property and insurance (P&I) rate at a five-year low, and with more facilities entering an already soft market, only time will tell as to how long some of these facilities will last. However, we currently do not see the Marine insurers market consolidating in the short to medium term. In fact, we see the market continuing to expand with average rates continuing to decrease. This Gallagher Marine P&I 2014 Commercial Market Review offers a recap of key industry issues.
In 2014, the year began with the second costliest winter storm in over 20 years. The U.S. also experienced two additional loss events triggered by natural disasters including severe thunderstorms throughout the country and the Napa earthquake - which was the largest U.S. earthquake loss since 2001. Globally, natural disasters produced a combined total insured loss of $39 billion in 2014, which was 38% below the 10-year average and the lowest annual insured loss total since 2009. This Gallagher Property Marketing Update: First Quarter 2015 reviews how is all of this affecting the property market.
Complex real estate transactions gone awry can produce lengthy litigation. Even low value situations can become protracted litigation with significant money spent on what seems like endless defense. Real estate errors and omissions (E & O) liability insurance can help protect the balance sheet of your real estate business on these types of costs. Unfortunately, there are many pitfalls frequently created by insurance brokers who do not specialize in risk transfer products specifically for real estate firms. So what do you need to know?
A “close call” or an accident without injury is easy to shrug off and forget. But, there is a danger in brushing off accidents that don’t hurt, harm or cause damage. When a “close call” happens, it should immediately send up a red warning flag that something was wrong, unplanned, unexpected and could happen again. What can you do to reduce that possibility? Review our Minute for Safety newsletter for recommendations.